À la carte Rewards Plan

Earn points with every purchase and redeem them for gift cards, travel discounts, and more.

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You’re a winner on every point

The À la carte Rewards Program® lets you earn points on all your purchases. You can use them towards travel discounts, financial products, gift cards, various items, and more.

Father and son enjoying their time at the beach.

Travel with your points

Book your next vacation with À la carte TravelTM, or obtain a refund for a previous stay with your points.

Discover the possibilities

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Treat yourself

Choose from a wide variety of products and incredible rewards.

Visit our store

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Make a credit card payment

Use your points to pay off your credit card directly from your online bank.

Discover how

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Do it for the planet

Use points to treat yourself to Coop Carbone CO2 offset units and eco-friendly rewards.

Shop for rewards

Do you have the right card to earn rewards?

Get up to 25,000 points

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Up to 2 points per dollar spent1

  • Mobile device insurance7
  • Extended warranty on purchases4
  • Travel insurance for trips of 10 days or less4

Annual fee for the cardholder2

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Reimbursed the first year, $70/year thereafter. 

Annual fee for the authorized cardholder2

$35 $0 for the first year

Reimbursed the first year, $35/year thereafter. 

Purchase rate

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Balance transfers and cash advances2-3

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This offer for new National Bank Platinum Mastercard credit cardholders is only available until August 4, 2025. Minimum purchase and insurance product required.  Some conditions apply. 

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Up to 2 points per dollar spent1

  • Vehicle rental insurance4
  • Extended warranty on purchases4
  • Travel insurance for up to 60 days4

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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Minimum gross annual income: ${p2.revenuAnnuel}. Subject to credit approval.

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Up to 5 points per dollar spent1

  • Refund for travel expenses ($150)5
  • Access to the National Bank Lounge6
  • Travel insurance for up to 60 days  4

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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Minimum gross annual income: ${p1.revenuAnnuel}. Subject to credit approval.

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Fly away with À la carte Travel

Book your vacation package and airline tickets online with À la carte Travel AgencyTM.

Parents with their children running on a beautiful beach

Your points take you further

Love to travel? Choose a credit card with a rewards plan designed for your vacations.

Redeem your points to see the country and relax.

Mastercard credit cards World Elite ® World Mastercard ® Platinum Mastercard ®, Edition® with rewards program, and Escapade® Business Platinum Ovation Gold ®, Allure ® Rewards
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Redeem your points for discounts on your next vacation

Already booked your vacation? Use your points to reimburse travel expenses like plane or cruise tickets, car or cottage rentals, the purchase of travel packages or excursions, hotel rooms, and more.1

Your points are worth more

Your points are worth more with À la carte TravelTM Receive $100 in discounts for every 10,000 points you accumulate. Our best exchange-rates for travel rewards.


Plan your vacation

Enter the shop

Find a wide variety of products to choose from

Visit the online store and treat yourself to goods that will do you good.

As a cardholder, your points can be used to buy exciting products, gift cards and special packages. You'll also find products from local and environmentally responsible companies.

Visit our store

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Rewards that pay off

Take advantage of your points the way you want. 

Invest the value of your points and make them grow. Use themto contribute to a variety of investment products including RRSPs and TFSAs.

Parents with their two kids smiling and playing with a piggybank.
Parents with their two kids smiling and playing with a piggybank.

Make a payment on your credit card

If you’ve accumulated at least 6,250 points, you can use your rewards points to pay your credit card balance, partially or in total.

Discover the possibilities

 

Parents avec leurs deux enfants, souriant, jouant avec une tirelire « cochon »

Make a payment on your credit card

If you’ve accumulated at least 6,250 points, you can use your rewards points to pay your credit card balance, partially or in total.

Discover the possibilities

 

Parents avec leurs deux enfants, souriant, jouant avec une tirelire « cochon »

Earn points for the planet

Receive rewards that are environmentally responsible.

Would you like to contribute to Quebec’s Green Fund? Your points allow you to offset the cost of your trip with Coop Carbone CO2 offset units, or to get your hands on more environmentally friendly products.

Shop for your rewards

A mother with her daughter in the garden

 

 

There are tons of different ways to benefit from your rewards. Choose your favourite. 

Discover all your rewards

Little details that matter

Length of the welcome promotion

From April 1 to August 4, 2025.

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
  • Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
  • Keep the credit card account open until the rewards points are paid.
  • Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or an entity in its group.

Description of the promotion

Up to 25,000 reward points upon enrollment and the annual fees refunded for the first year for the primary cardholder and the first additional authorized user.

Annual fees

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open and in good standing. It will appear on your statement in the form of a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.

Annual fees related to other authorized users’ cards are not eligible for this promotion.

Rewards points

Points offered Conditions When points are awarded to the account
5,000 Enrollment in payment insurance* for at least the first three months In the two months following the minimum enrollment period for payment insurance.**
10,000 $2,500 in purchases in the first three months** By the end of the 6th month after enrollment.**
10,000 $6,500 in purchases in the first 12 months** By the end of the 15th month after enrollment.**

* To apply for enrollment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on April 15, you have until July 15 to make the required net purchases to receive the points which will be credited to your account by the end of October 2025.

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

  • You can only take advantage of the promotion once.
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

 

®Mastercard, World Mastercard, World Elite and Platinum Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank

® ESCAPADE, OVATION AND ALLURE EDITIONS are registered trademarks of National Bank of Canada

®À LA CARTE REWARDS PLAN is a registered trademark of National Bank.

™À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

1. Certain restrictions apply. Please consult the rules governing reward points in the Rewards plan.

2. Grace period:

No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate

Average balance
 

$500

$3,000

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

13.2%

$5.53

$33.16

9.2%

$3.78

$22.68

*Variable interest rate in effect on September 1, 2021

3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

5. Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include:
- airport parking fees
- baggage fees
- seat selection fees
- access to airport lounges worldwide
- airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

6. Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

7. Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.

There are so many options to choose from!

Gift cards, products, travel packages, cruises…These are just a few of the rewards waiting for you.

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1-888-622-2783

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